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XOV is a decentralised banking project with academically researched stable digital currency that will be launched on XOVnet. The XOV project will produce the world’s first stable cryptocurrency banking platform for the blockchain by using a range of financial controls that stabilise the circulating supply of currency (XOVnet). These controls will be delivered using human and artificial intelligence methods. The project will deliver a Central Bank that issues the XOV currency (a Central Bank Cryptocurrency – CBCC) and a Retail Bank that offers a range of decentralised banking services.